Some Social Security beneficiaries may notice an unusual addition to their payment schedule for November: a second SSI check. This deviation from the usual routine is part of the Social Security Administration’s (SSA) structured calendar for 2024. While those familiar with the schedule may be prepared, others accustomed to their payments arriving at the start of the month might find this unexpected.
Double Payment
The rationale behind two SSI checks in November is straightforward: calendar alignment. The SSA issues SSI payments on the first business day of the month. However, when the first of the month falls on a weekend or holiday, the payment is pushed earlier. In 2024, December 1st lands on a Sunday, prompting the SSA to issue December’s SSI payment on the preceding Friday, November 29th. Consequently, recipients will see SSI checks on November 1st and November 29th but none in December.
A similar situation occurred in August when beneficiaries received two checks in September—one for September and another covering August.
What Is SSI?
Supplemental Security Income (SSI) is a government assistance program distinct from Social Security retirement benefits. The SSA manages SSI but does not fund it. Instead, SSI is financed by the U.S. Treasury and state contributions, unlike Social Security benefits funded primarily through payroll taxes.
SSI is aimed at assisting those who are aged, blind, or disabled with little to no income or resources. To qualify, individuals or children must meet specific criteria:
- Limited income and resources
- Disability, blindness, or age 65 and older
For 2024, the maximum monthly SSI benefit is $943 for individuals and $1,415 for eligible couples.
SSI and SSDI
It’s essential to differentiate SSI from Social Security Disability Insurance (SSDI). SSDI provides benefits to those with disabilities who have paid into Social Security through payroll taxes after years of work. In contrast, SSI does not require a work history for eligibility.
Anticipated Increase
The Social Security Administration has announced that there will be a cost-of-living adjustment (COLA) of 2.5% in 2025. This increase will raise average monthly payments for beneficiaries by approximately $50, moving them from $1,907 in January 2024 to $1,957 in 2025. The annual COLA helps maintain beneficiaries’ purchasing power in the face of inflation.
November Payment Planning
The SSA publishes its payment distribution schedule annually to help recipients plan. The 2025 schedule shows that similar shifts in payment dates may occur in upcoming months. Staying informed about these changes is crucial for effective financial planning.
SSI Applications
The SSA is also launching iClaim, a simplified online system to help Americans apply for SSI benefits. This new platform features straightforward language and easier navigation to improve the experience for applicants. Initially, this tool will be available to individuals between 18 and 65 who have never been married and are applying for both Social Security and SSI benefits. The full rollout, extending iClaim access to more users, is expected in the coming year.
For now, many will need to apply using traditional methods until the broader iClaim rollout is complete.
Key Dates
- November 1, 2024: First SSI check of November
- November 29, 2024: Early December SSI check
- December 2024: No SSI check due to early November payment
These dates reflect how SSA manages monthly payments and illustrates how recipients should prepare for occasional scheduling changes.
FAQs
Why are there two SSI payments in November?
December 1 falls on a Sunday, so December’s payment is sent early.
Will there be an SSI payment in December?
No, the December payment is issued early on November 29th.
What is the 2025 COLA increase?
The COLA for 2025 is 2.5%, raising payments by about $50 monthly.
Who funds SSI benefits?
SSI is funded by the U.S. Treasury, not through Social Security taxes.
What is the iClaim system?
A new, simplified online system for SSI applications launching soon.
